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Side-by-Side Comparison|Updated March 2026

IndiGo SBI Card vs Axis Bank Vistara Signature Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

IndiGo SBI Card

7/10
Annual Fee₹1,499
Base Rewards1%
NetworkMastercard
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Axis Bank

Axis Bank Vistara Signature Credit Card

7/10
Annual Fee₹3,000
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureIndiGo SBI CardAxis Bank Vistara Signature Credit Card
Annual Fee₹1,499₹3,000
Joining Fee₹1,499₹3,000
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.5%
Reward CurrencyIndiGo BluChipsMaharaja Points
NetworkMastercardVisa
Editor Rating7/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

IndiGo SBI Card

  • 0% on IndiGo App/Web
  • 0% on Hotel, Lodging & Travel

Axis Bank Vistara Signature Credit Card

No accelerated rewards listed

Pros & Cons

IndiGo SBI Card

Pros

  • Earn 3% rewards (3 BluChips per ₹100) on IndiGo bookings via official channels.
  • Welcome and renewal benefit of 2,500 BluChips effectively offsets the annual fee.
  • Milestone rewards of 2,500 BluChips at ₹2L, ₹4L, and ₹6L annual spend thresholds.
  • Complimentary domestic lounge access (1 per quarter) on meeting spend criteria.

Cons

  • Lounge access is contingent on spending ₹50,000 in the previous quarter.
  • High interest rate of 3.75% per month (45% per annum).
  • Rewards are highly restrictive, redeemable only within the IndiGo ecosystem.

Axis Bank Vistara Signature Credit Card

Pros

  • Complimentary Premium Economy ticket voucher on joining and renewal (for renewals before April 18, 2025).
  • Complimentary Club Vistara Silver Membership (transitioning to Maharaja Club) offering priority check-in and extra baggage.
  • High milestone rewards with up to 4 additional Premium Economy tickets on annual spends of ₹9 Lakhs.
  • 3 complimentary rounds of golf at select courses in India.

Cons

  • Rewards are highly specialized for Vistara/Air India and offer low value for non-travel redemptions.
  • Domestic lounge access is now subject to a minimum spend of ₹50,000 in the previous 3 months.
  • Significant devaluation in 2024/2025: Milestone benefits and ticket vouchers discontinued for renewals after April 18, 2025.

Our Verdict

Both IndiGo SBI Card and Axis Bank Vistara Signature Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose IndiGo SBI Card if

Best for those who frequently fly IndiGo and can utilize BluChips for flight bookings and add-ons.

Choose Axis Bank Vistara Signature Credit Card if

Ideal for those who prefer Vistara's Premium Economy service and can hit the ₹1.5L to ₹9L spend milestones for free tickets.

Frequently Asked Questions

Which is better: IndiGo SBI Card or Axis Bank Vistara Signature Credit Card?
Both IndiGo SBI Card and Axis Bank Vistara Signature Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between IndiGo SBI Card and Axis Bank Vistara Signature Credit Card?
IndiGo SBI Card has an annual fee of ₹1,499, while Axis Bank Vistara Signature Credit Card has an annual fee of ₹3,000.
Which card has better rewards: IndiGo SBI Card or Axis Bank Vistara Signature Credit Card?
IndiGo SBI Card offers a base reward rate of 1% with accelerated rewards on IndiGo App/Web and Hotel, Lodging & Travel. Axis Bank Vistara Signature Credit Card offers 0.5% base rewards. The better choice depends on your primary spending categories.
Can I have both IndiGo SBI Card and Axis Bank Vistara Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. IndiGo SBI Card and Axis Bank Vistara Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: IndiGo SBI Card or Axis Bank Vistara Signature Credit Card?
For beginners, IndiGo SBI Card may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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